Credit report permission law

As can be see below, there are 3 classes of persons entitled to obtain a credit report, excluding government agencies.

A prospective landlord is allowed to pull a credit report under (3) (A) and (F).

However we recommend that you always obtain the prospective tenants WRITTEN PERMISSION to run their credit report. This web site is designed to only allow you to run a credit report with the prospective tenant's knowledge and permission.

Please note: it is a violation of Federal law to apply for a credit report on someone else, even on your spouse or sibling, without their permission.. We do not permit, support or encourage the use of this service by nosy neighbors, curious lovers etc.

(a) In general. Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:

(1) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

(2) In accordance with the written instructions of the consumer to whom it relates.

(3) To a person which it has reason to believe:

(A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer;
or
(B) intends to use the information for employment purposes;
or
(C) intends to use the information in connection with the underwriting of insurance involving the consumer;
or
(D) intends to use the information in connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status;
or
(E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation;
or
(F) otherwise has a legitimate business need for the information:

(i) in connection with a business transaction that is initiated by the consumer;
or
(ii) to review an account to determine whether the consumer continues to meet the terms of the account.

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